Short answer

Euronet Worldwide Inc (EEFT) filed its fiscal 2014 10-K annual report with the SEC on Feb 27, 2015.

Top risk flagged: Regulatory: OFAC, BSA, FinCEN and PATRIOT Act enforcement risk, including agent noncompliance fines and penalties

Euronet Worldwide Inc FY2014 10-K analysis

AI summary of each section, grounded in the filing text

Three-segment electronic payments model: EFT processing, prepaid distribution, and global money transfers across approximately 160 countries
New HiFX acquisition added online international payments, foreign exchange, and SME cash-management services
Walmart-2-Walmart launch expanded Ria’s U.S. transfer volume through Walmart sending and payout locations
ATM network grew to 20,364 from 18,311, driven by India and European independent ATM deployment
Money-transfer transactions reached 48.5 million, up from 35.2 million in 2013, including HiFX expansion and Walmart partnership growth

Revenue $1.664B, up 18% YoY, driven by Walmart-2-Walmart, HiFX, ATM growth and German epay transactions
Operating income $158.7M, net income $101.6M; adjusted tax rate 25.8% vs 25.0%
Best segment EFT Processing: revenue $358.6M, operating income $91.3M, margin 25.5% vs 20.9%
Worst margin segment Money Transfer: margin 8.2% vs 8.4%, despite revenue $523.2M and operating income $42.7M
Operating cash flow $235.0M, capex $65.1M, acquisitions $84.7M, share repurchases $64.5M; 2015 capex estimate $50M to $60M

Regulatory: OFAC, BSA, FinCEN and PATRIOT Act enforcement risk, including agent noncompliance fines and penalties
Geopolitical: Greek eurozone exit, exposing euro cash balances in banks and ATMs to currency conversion losses
Operational: $471 million ATM cash supplied by third-party financial institutions, vulnerable to withdrawal or termination
Competitive: Western Union and MoneyGram, with greater capital for pricing and alternative money-transfer technologies
Financial: $410.4 million long-term debt against $2,051.6 million assets, with variable-rate exposure and covenant requirements

Generated from the filing text; verify against the original. How to read a 10-K

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